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Target = essentials × months. The gap is cash you still need to park, not a brokerage slogan. Primer: how much emergency fund. Dated leftover after the sleeve is funded: I-bonds vs T-bills vs HYSA.
Quick answer: This calculator sizes a cash reserve from monthly essentials times the months of runway you want, then shows the gap versus cash you already have and how long a monthly transfer takes to fill it.
Runway
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Essentials are rent/mortgage, food, utilities, insurance, minimum debt, and the commute that keeps the job. Sinking funds (tires, IRS) sit beside this sleeve, not inside it. Do not scrape a live HYSA APY into this page — type your transfer. Park the funded sleeve in cash you can spend Tuesday; I-bonds lock a year. Sequence: park-the-cash playbook · HYSA vs CDs · sinking funds.
What this means for you: the target is essentials times months, not your whole lifestyle. The gap is target minus cash on hand. The months-to-fund line assumes the transfer continues and the essentials do not jump.
This page multiplies essential monthly costs by the months you type. Three to twelve months is the usual classroom range. Your job risk decides the months.
The bills you would still pay if income stopped: housing, food, utilities, insurance, minimum debt payments. You type the total.
Somewhere you can reach without selling investments. This page does not pick a bank.
Educational, not financial advice. Page updated October 24, 2026 — no tax, limit, or rate figure was changed in this review.
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WhatIfInLearing
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